Persevere through the raging storm. The Bank’s strong capital position, stable deposit base and asset quality gives it the resilience to weather a crisis. Its focus on prudence, pragmatism and transparency, together with a diversified business model, will help it navigate the rough waters, protecting its own business interests and those of its stakeholders.

Pioneer new technologies, charting new routes for a new world. The world is changing, and so is Kotak. Its investments in digital banking and technology over the past few years have paid rich dividends, especially during the COVID-19 crisis. The Group will increase its focus on technology as it moves forward into a changing world.

Prosper with an eye on opportunities beyond the stormy horizon. Kotak has faced rough storms before and seen the opportunities that lay beyond the crises of the past three decades. The Group believes, once again, that opportunities to create value for its stakeholders will emerge from this crisis.